What Travel Health Insurance Covers
Travel health insurance covers emergency medical costs arising from sudden illness or accident abroad, along with medical evacuation and repatriation; baggage and trip cancellation cover can be added depending on the policy. Planned treatment, pre-existing conditions and high-risk sports are generally excluded.
Standard cover
- Emergency medical treatment after sudden illness or accident
- Hospital admission and surgery
- Medical evacuation to a suitable facility where required
- Repatriation, including repatriation of remains
- Emergency dental treatment, usually up to a limited amount
Optional add-ons
- Baggage loss, theft or delay
- Trip cancellation or early return
- Flight delay
- Document problems such as a lost passport
Typical exclusions
Costs arising from conditions that existed and were known before the policy started are excluded under most policies. If you are travelling specifically for treatment, a travel policy will not cover it — that is a different product.
Skiing, diving and motorsport are usually excluded from standard policies and need an add-on. If you have that kind of trip planned, say so in advance — it is the single most common gap on a ski holiday.
Frequently asked questions
Are pre-existing conditions covered?
Generally not under standard travel policies. Some insurers offer limited cover as an add-on; tell us your situation and we will check which insurers accept it and on what terms.
I am going skiing — am I covered?
Standard policies usually exclude high-risk sports. Tell us if you plan to ski, snowboard or dive and we will issue a policy with the relevant add-on.
Travel Health Insurance
Travel health insurance from a Turkish agency: Schengen visa compliant policies with €30,000 cover, issued the same day over WhatsApp.